Before You Choose Simpay: Rates, Support & Key Features Explained

Name: Simpay
Item: Simpay
Rating: 3.8
Author: Phillip Parker

Updated: September 21, 2025

Maintained Since: September 10, 2019

We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Simpay

Rating

3.8/5

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Pros

Zero setup fee

User-friendly products

Payroll processing tools

Cons

Early termination fees

Long term contracts

Independent sales agents

Non-disclosed public pricing

Important terms unclear

Overview

In this review of Simpay, we provide an overview of the company’s payment processing services and related business solutions. The review covers their history, pricing, contract terms, and available features, including point-of-sale systems and payroll services. We also highlight customer feedback to show common themes, praises, and concerns. By the end, you’ll have a clear understanding of what this review found about Simpay and whether their services align with your business needs.

Payment Processing and Services

We will focus on Simpay's wide range of services, including mobile payments, Point-of-Sale systems, payroll services, and gift and loyalty card programs.

Contract Terms, Rates, and Customer Feedback

We will also examine Simpay's contract terms, rates, and fees. This section will highlight common customer complaints and legal issues.

Marketing, Employee Experiences, and Industry Ratings

Additionally, we will explore Simpay's marketing strategies, employee experiences, and industry ratings to give you a full overview of their services.

About Simpay

Screen Capture of Simpay Homepage — Simpay Homepage

Founded in 2000, Simpay is a nationwide merchant account provider that serves most standard-risk business types. The company is simply a rebranding of Alpha Card Services, which changed its name in 2017. Simpay claims that it currently supplies equipment and services to over 15,000 merchant locations throughout the United States.

In 2022, Simpay partnered with Fee Navigator.

Products & Merchant Services

Payment Processing

Simpay handles payment processing for all major debit and credit cards across various business types. Their offerings include EMV card readers and swipers, POS systems, mobile payment solutions, e-commerce support, gift cards, cash advances, and employee management tools.

Mobile Payments

Simpay provides mobile payment solutions to accommodate the growing use of mobile devices for business transactions. This service enables businesses to process transactions on-the-go or for those with mobile or remote operations.

Point-of-Sale Systems

Simpay offers point-of-sale (POS) systems designed to facilitate sales transactions in physical locations. These systems not only process payments but also support inventory management, sales tracking, and customer relationship management.

Payroll Services

Beyond payment processing, Simpay provides payroll services, helping businesses streamline their payroll operations. This includes handling wage calculations, tax deductions, and paycheck distribution.

Gift and Loyalty Card Programs

Simpay assists businesses in implementing and managing gift and loyalty card programs. These services are aimed at helping businesses retain customers and encourage repeat transactions.

Customer Reviews & Sentiment

Varied Complaint Volume

Over 15 negative reviews of Simpay have come to light, with some customers labeling the company as a ripoff or scam. The predominant grievances in these reviews center around reports of deceptive or aggressive behaviors by independent sales agents, undisclosed fees and contract terms, and issues with unresponsive or inefficient customer support. If you have your own feedback or review regarding Simpay, we encourage you to share it in the comments section below.

Customer Support Services Provided by Simpay

On Simpay’s website, a customer support email address and contact number are listed; however, details about the services offered through the phone line are currently unclear.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	1
BBB Rating	1
Google Maps	3.8
Average Rating	2.4

PaymentPop Rating for Simpay

Negative Feedback

Absolutely the worst processing company on the market. Set up account and received processing device only to have it work about half of the time. Decided to cancel account only to be charged ridiculous charges monthly. Send back device to be charged $650 by Simpay. After talking to there support rep, I was told they wouldn’t return my money. What a joke!!!

Positive Feedback

There are no positive reviews published about Simpay on the PaymentPop website.

Simpay BBB Rating

Simpay has an “A+” rating with the Better Business Bureau and has been BBB accredited since 2011. The company has received 6 complaints in the past three years. Only 4 of these 6 complaints was resolved by the company to the satisfaction of the merchant. Simpay has a 1 out of 5 star rating based on 3 user reviews on the Better Business Bureau website.

What Merchants Say

Simpay has received no reviews in the last 36 months on its profile. A previous review details describe trouble terminating accounts:

This situation begins at the recruitment level when *** recruited us..*** to sell credit card processing to our current merchants that we have ATM business through and is our core business. We were promised and sold on the premise idea that *** understood that all of our customers were from our current ATM porfolio and we had to have the ability to cancel our customers from card processing without penalty or fee, at anytime for any reason. We only made this request because our core business is the ATM customer. *** agreed 100% and promised us that we had complete constrol over all fees and if to charge them or not. This has proven to be false. ***, now SIMPAY continues to charge our former customers fees even though they no longer process with SIMPAY and have all expressed in writing their desire to cancel

Businesses can potentially avoid situations like this by canceling their merchant account without paying a fee.

An “A” Performance

Given the company’s low complaint total, we agree with the BBB’s rating at this time. If its complaint total increases, however, we will lower it.

Google Maps Rating for Simpay

Simpay has a 3.8 out of 5 star rating based on 43 user reviews on Google Maps.

Positive Feedback

I’ve been with a few different processors and hands down, Simpay is the best by far! Fair rates and what I like best is never wasting my time in endless voicemail loops, choices that you can never get to and not once speak with a living person. I call Simpay and immediately a human being answers who is polite, gets me to another living person in the actual dept I am seeking and answers my question. Amazing!

Negative Feedback

Probably the worst mistate I made with my corporation. SimPay was totally negligant with handling my payroll services and ignored requests to correct issues and to pay fines for their incompetency.

Processing Rates & Fees

Simpay Contract Terms

According to the Simpay program guide (available below), the standard Simpay contract is a five-year agreement that renews automatically for one-year terms following its expiration. Alpha Card Services’ standard contract included an $89.99 annual membership fee, a $35 monthly minimum fee, a $10 statement fee, a $19.99 quarterly regulatory compliance fee (which may be a PCI compliance fee), a $40 monthly PCI noncompliance fee, a $35 chargeback fee, and a tiered pricing schedule.

Simpay Cancellation Fee

There is also an early termination fee associated with most Simpay contracts that begins at $250 but can include the remaining months of a contract. This Simpay fee is a liquidated damages fee, which has the potential to increase a merchant’s overall termination fee by a significant and unpredictable amount. Clients are advised to read the small print of any contract they are given to ensure that they will not be held accountable for more than the $250 cancellation fee (and even this fee is often negotiable).

Industry-Average Terms

We have found some Simpay complaints related to its contract terms, which we feel merit a “D” in this category. We do not believe that Simpay’s contract terms are competitive with the cheapest merchant accounts. See the standard Simpay program guide. We also encourage business owners to check out our list of the providers of the best merchant services.

Lawsuits & Legal History

As per our review, there have been no significant class-action lawsuits or complaints lodged with the Federal Trade Commission (FTC) against Simpay. Clients seeking alternative channels to address concerns with the company are advised to report such issues to the relevant oversight bodies.

Employee Reviews & Sales Practices

Inside/Outside Sales Team

Simpay appears to hire both direct sales representatives and independently contracted sales agents across the country to market its services. We have found several reports in the comment section of our Alpha Card Services review and on other consumer protection websites describing encounters with Simpay agents who failed to disclose important contract terms at the point of signing. These Simpay reviews do not compare favorably to our list of best credit card processors. A company representative has stated, however, that it is standard policy for all businesses to be provided with a summary sheet disclosing all fees before signing, and follow-up calls are then made to the client at two-week and then quarterly intervals.

No Deceptive Quotes

To its credit, Simpay does not appear to use any deceptive marketing tactics on its website. If you suspect that Simpay is overcharging you, we recommend seeking a third-party statement audit.

Simpay Competitors

Compare Simpay to competitors that earned top marks.

Pricing

Bottom Line

Simpay currently holds a 3-star rating, primarily due to the lack of detailed, accessible information regarding their operations. While the minimal number of complaints could suggest that Simpay is a reliable service provider, the absence of transparency concerning their ownership, geographic location, duration of operation, and the specifics of their processing relationships compels us to maintain a cautious perspective.

This opacity hinders our ability to thoroughly assess the credibility and reliability of Simpay’s services. Without more substantial insight into these fundamental aspects, a veil of uncertainty lingers, preventing a more confident recommendation of their services. Businesses considering Simpay should conduct a thorough review and comparison of their pricing structures against those of the highest-rated credit card processors. This comparison is vital to ensure competitive rates and engagement with a service provider that demonstrates both transparency and proven reliability, which are crucial for making well-informed decisions that align with a business’s financial and operational goals.

Read Actual User Reviews

See User Reviews Write a Review

All user reviews have been moved to our partner, PaymentPop.com

Contact Simpay

Contact & Customer Support
CEO	Lazaros Kalemis
Headquarters	1210 Northbrook Dr #475 Feasterville-Trevose, Pennsylvania 19053
Toll-Free Customer Support	(866) 253-2227
Website	simpay.net

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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